Life & Health Insurance License Study Courses

Getting a life & health insurance license in Alabama involves a few simple steps, including taking and passing a pre-licensing study course, passing a state licensing exam, submitting fingerprints for a simple background check, and submitting an application. We've detailed the process in more detail below:

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Do I Need to Be Hired or Sponsored by an Insurance Agency to Get My Insurance License? 

 No, you don’t need to be hired or sponsored by an insurance company or agency to go through the process of obtaining your insurance license. In fact, going through the process of getting and being licensed beforehand actually makes you more marketable. You will basically be able to pick and choose which agency you would like to work with.

Determine the Type of Insurance License You Need 

Decide which type of insurance you want to sell or represent. Common categories include life insurance, health insurance, or the combination of both. The combination life & health license is typically the most common, because if you’re already selling someone life insurance, why not sell them health insurance to make more commission per client? The more products you have to offer, the more commission that you're likely to make.

Meet the Basic Requirements 

In order to obtain an insurance license in Alabama, you’ll need to meet the following requirements:

• Be at least 18 years old
• Be a resident of Alabama (or a non-resident who is currently licensed in their home state)
• Not have any disqualifying criminal convictions

  

Complete a License Study Course 

Before taking the licensing exam, you'll need to complete a pre-licensing education study course. Most people choose to take their insurance prep course online. Our courses are created specifically to give you the information and education you’ll need to pass the license exam.

Pass the Licensing Exam 

After completing your study course, you'll need to pass the Alabama state insurance licensing exam. The exam is administered by the University of Alabama, and you'll need to schedule it in advance. We provide you with the website link and contact info for you to schedule your insurance exam in our course as well as the link above.

License Exam Information

Passing Score: 70%+

Questions: 150

Format: Multiple Choice

Life Producer Exam Fee: $50

Health Producer Exam Fee: $50

Combined Producer Life and Health Exam Fee: $75

Fingerprinting and Background Check

As part of the application process, you’ll be required to submit fingerprints for a simple background check as part of the licensing process. If you have any prior misdemeanors or felony offenses, this could affect the outcome of your licensing application. If you have any questions, you may contact the Alabama Department of Insurance. 

  

Apply for Your License

 Once you've passed the exam, you can then apply for your insurance license. You can do this online through the National Insurance Producer Registry (NIPR). You’ll need to apply within 30 days of submitting your fingerprints for your background check. You will also need to pay the necessary application fee, which is $85 through NIPR.

  

Time to Start Selling Insurance

Once you receive your license, you can begin selling insurance! You may choose to work with an insurance agency or as an independent agent. So, how do you sell life & health insurance? We have a related article here!

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